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Is it feasible to run a washing machine in a garden shed? Is anynoe running a washine machine in an outbuilding?
That's a problem with their house insurance so - i.e. they never checked that they were covered for sheds and contents in the sort of situation described if they needed such cover. Personally I would probably not claim for relatively low valued items such as a washing machine since it's probably more cost effective to self insure (especially given the excess involved in most cases) rather than taking a hit on higher future or renewal premiums.I believe that these neighbours then had trouble claiming on their house insurance as the items destroyed were not in the house.
Sorry - I simply mean that if my washing machine got destroyed and was covered by home insurance then I probably wouldn't claim since a new one would probably only cost a few hundred € - and especially since I opt for a c. €1K excess to avail of lower premiums and...Clubman, can you explain more? What is self-insure?
... as far as I know they do. If not with the existing insurer then probably with a new insurer if/when they switch within 5 years or so (at least the application forms always asks for info about past claims).Do people who regularly claim on insurance really get hit with extra extra premiums?
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